The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,032
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$602/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$576/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,177/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,839
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$722/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,408
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$691/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,192
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,474
−HK$842/mo
Today · 4.125%
HK$28,316
baseline
▲ 0.50% · 4.625%
HK$30,039
+HK$1,723/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,632/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,438
−HK$806/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$32,891
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,258
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,324
−HK$1,083/mo
Today · 4.125%
HK$36,407
baseline
▲ 0.50% · 4.625%
HK$38,622
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,814/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,112
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,134
−HK$1,037/mo
Today · 4.125%
HK$40,171
baseline
▲ 0.50% · 4.625%
HK$42,289
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,342/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,399 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).